What does life cost in Mumbai?
Monthly costs by household and lifestyle, what salary covers them, and how Mumbai compares with 12 other cities.
About ₹7,65,600 a year. Break-even salary (saving nothing): ₹8.68L. Moderate lifestyle, estimates.
Your Kitnaaa rating
AAA
Fully charged
- Saves 20% or moreSavings rate 60%. The 50/30/20 rule of thumb sets aside 20% of take-home.Met
- Rent within 30% of take-homeRent is 25% of take-home. A widely used guide keeps housing at or under 30%.Met
- Builds a 6-month cushion within a yearA year of saving covers 18.3 months of costs. Planners often suggest 3–6 months of expenses as an emergency fund.Met
A fun summary of three rules of thumb, based on estimates. Not a credit score or financial advice.
Category breakdown
Where every ₹100 goes
Of every ₹100 you take home, about ₹26 goes on housing and ₹60 is left to save.
- Housing Estimate₹41,100
- Food Estimate₹9,700
- Transport Estimate₹2,100
- Utilities Estimate₹2,500
- Healthcare Estimate₹1,100
- Entertainment Estimate₹5,100
- Other Estimate₹2,200
- Kitna bachega₹97,417
The same life in other cities
Estimated monthly cost
See as a table
| City | Est. monthly cost | vs Mumbai |
|---|---|---|
| Jaipur | ₹33,200 | -48% |
| Kolkata | ₹35,000 | -45% |
| Greater Noida | ₹36,400 | -43% |
| Ahmedabad | ₹36,800 | -42% |
| Kochi | ₹39,100 | -39% |
| Pune | ₹40,500 | -37% |
| Chennai | ₹40,700 | -36% |
| Noida | ₹43,400 | -32% |
| Delhi | ₹46,000 | -28% |
| Bangalore | ₹50,700 | -21% |
| Hyderabad | ₹51,500 | -19% |
| Gurgaon | ₹51,800 | -19% |
| Mumbai | ₹63,800 | — |
Your Mumbai Money Report ₹299
Salary analysis, a monthly budget, savings projection, city and housing scenarios, written for your numbers. Everything above stays free.
See what's in the reportRent in Mumbai, by area
Monthly rent for a 2BHK. Where you live changes your budget more than anything else.
| Area | Type | 2BHK rent | Source |
|---|---|---|---|
| South Mumbai (Malabar Hill, Peddar Road) | Posh | ₹2L–3L | Rentu.in rental rate chart, May 2026 |
| Bandra West | Posh | ₹70K–2L | HousingIndia rent guide, Jan 2025 |
| Andheri West | Popular | ₹50K–1.5L | HousingIndia rent guide, Jan 2025 |
| Powai | Popular | ₹40K–1.2L | HousingIndia rent guide, Jan 2025 |
| Chembur / Mulund | Mid-range | ₹59K–73K | Anarock (2022), projected to Sep 2026 at 10%/yr, Sep 2026 |
| Thane / Navi Mumbai (Vashi, Kharghar) | Budget | ₹25K–45K | HousingIndia rent guide, Feb 2025 |
Listing-site estimates are less rigorous than research-firm data; projected figures assume 10% rent growth a year. Pick your area in the calculator above, or enter your own rent.
Salary needed in Mumbai, by household
| Household | Lifestyle | Monthly cost | CTC to save 20% |
|---|---|---|---|
| Single | Moderate | ₹63,800 | ₹10.84L |
| Single | Comfortable | ₹88,940 | ₹16.23L |
| Couple | Moderate | ₹89,980 | ₹16.45L |
| Couple | Comfortable | ₹1,25,351 | ₹24.15L |
| Family (1 child) | Moderate | ₹1,13,570 | ₹21.46L |
| Family (1 child) | Comfortable | ₹1,54,007 | ₹31.2L |
Typical rent, salaried, new regime. Maharashtra professional tax: ₹2,500 a year (approx.). Ranked as Greater Mumbai.
Questions people ask
How much does it cost to live in Mumbai?
For one person on a moderate lifestyle with typical rent, KITNA estimates about ₹63,800 a month. 12 of the 12 other cities KITNA covers come out cheaper on the same assumptions. These city figures are placeholders we're replacing with sourced data.
What salary do you need to live comfortably in Mumbai?
If comfortably means a comfortable lifestyle while saving 20% of take-home, a single person would need a CTC of roughly ₹16.23L under our assumptions.